SFST Stock Analysis: Buy, Sell, or Hold?
SFST - Southern First Bancshares, Inc.
$63.03
0.21 (0.33%)
â˛
5d:
-1.79%
30d:
+4.1%
90d:
+10.44%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 27, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: SFST is fairly priced but lacks strong directional signals. At 1.7% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: SFST is fairly priced but lacks strong directional signals. At 1.7% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$113.02
Based on 13.8% avg growth
INTRINSIC VALUE TODAY
$70.18
10.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SFST is currently trading at $63.03, which is considered fair relative to its 30-day fair value range of $61.56 to $64.03. The stock's valuation (Forward PE: 10.2) is in line with its historical norms (9.7). At these levels, the market is pricing in 1.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, SFST is in a strong uptrend. The price is currently testing key support at $62.10. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SFST is in a strong uptrend. The price is currently testing key support at $62.10. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$61.56 -
$64.03
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (43/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($68.50)
- NEUTRAL: Market pricing in 1.7% annual earnings growth - fairly valued
- WARNING: Composite score 47/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$61.56 -
$64.03
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$62.10
Resistance Level
$65.09
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.17
Wall Street Target
$68.50
(+9.0%)
Revenue Growth (YoY)
24.8%
Earnings Growth (YoY)
48.1%
Profit Margin
30.7%
Valuation Premium vs History
+1.7% premium
PE vs Historical
10.2 vs 9.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.7%
(market-implied from PE analysis)
1-Year Target
$63.89
(+2%)
2-Year Target
$64.97
(+3%)
3-Year Target
$66.08
(+5%)
3-Yr Target (if PE normalizes)
(PE: 10â10)
PE COMPRESSION
$63.00
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 23.5%)
$233.45
(+272%)
Base:
(SPY PE: 10.2, Growth: 23.5%)
$118.33
(+88%)
Bear:
(PE: 8.6, Growth: 23.5%)
$100.58
(+60%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 13.83 | Current EPS (TTM): $4.52
Bull Case
$93.94
(+49%)
Analyst growth 36.6%, PE expands to 15.2
Base Case
$85.40
(+36%)
Market implied 36.6%, PE stable at 13.8
Bear Case
$42.51
(-33%)
Severe decline -20.0%, PE contracts to 11.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 24, 2026 1:47 AM ET
Data refreshes hourly during market hours. Next update: 2:47 AM
Data refreshes hourly during market hours. Next update: 2:47 AM
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Technical Signals Check
Is SFST showing a specific setup today?
Insider Activity (6 Months)
1
Buys
1
Sells
0
Net
INSIDERS SELLING
Recent Transactions
William Iv Maner
BUY
400 shares
2026-03-06
Silvia T King
SELL
2625 shares
2026-02-26
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